Subscribe to Living On A Dime on YouTube! http://bit.ly/1QDDmbN
Visit Our Website: https://www.livingonadime.com/
How to Save On GroceriesFacebookGroup http://bit.ly/2CLKkwz
Free e-Mail Newsletter: http://bit.ly/1LfQf4y
StopStudent LoanStupidity!
In this video we are talking about student loans and how stupid they are. Yep, I said it, it's the truth but if you want to get out of debt you need to deal with your student loans. When thinking about getting student loans and how to pay off student loans you need know what you are getting into and if student loans are actually a good value for your money or not! If you think student loans have ruined your life then watch this video and then visit us at https://www.livingonadime.com/ to learn more tips for saving money.
Find all of our books including our Dining On A Dime cookbook here:
https://www.livingonadime.com/store/
Here are some of the items we use in the show:
Our Recommended Items At Amazon:
https://www.amazon.com/shop/livingonadime
Please note: We get a small portion from some of these links and we use them to bring you more recipes tips and ideas! Thanks for your support!
—————
Our mailing address:
Living On A Dime
P.O. Box 193
Mead, CO 80542
You can send us an e-mail here:
https://www.livingonadime.com/contact/
Our Website:
https://www.livingonadime.com/
OUR FACEBOOK! https://www.facebook.com/livingonadime
OUR PINTEREST! https://www.pinterest.com/livingonadime/

published:18 Jun 2018

views:5200

In this video, How To Choose An Income Based RepaymentPlan! We'll cover three different plans: Income-Based Repayment, Pay As You Earn, and Revised Pay As You Earn. Topics covered include:
- Requirements for each plan
- Income-Based plans vs. Standard loan repayment
- Discretionary income
To see how Discretionary Income is used to calculate your payment, check out this video
https://youtu.be/vw3ppHG15yY
You can find more resources on financial literacy, including the Public Service Loan Forgiveness program, by checking out my blog at http://www.brentonharrison.com/blog
Representatives of Royal Alliance do not provide tax or legal advice. Please consult your tax advisor or attorney for such guidance.
Securities and Investment Advisory Services offered through Royal Alliance Associates, Inc., MemberFINRA, SIPC. Royal Alliance Associates, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Royal Alliance Associates, Inc.

Sallie Krawcheck stops by Refinery29 and offers some of our staff some helpful financial advice when it comes to student loan debt.
Subscribe to the Refinery29 channel: http://bit.ly/subscribe-to-r29
For the latest trends and videos, visit: refinery29 [dot] com
Like Refinery29 on Facebook: Refinery29
Follow Refinery29 on Twitter: @refinery29
Heart Refinery29 on Instagram: @refinery29

published:15 Sep 2016

views:12151

* Warning - swearing involved.
I'm AjaDang and this is my May 2018 monthly budget. This is the fifth month of sharing my financial journey and how I budget to pay off my huge student loan debt. I am getting really frustrated with how much money I put into paying off my debt and not seeing anything in return. To imagine I have 2-3 more years of this makes me so damn angry. My financial advice - don't take out student debt.
MY BUDGET (hopefully it opens): http://bit.ly/2w2wfrt
•CAMERA EQUIPMENT•
Sigma30mm F1.4 CanonLens: http://amzn.to/2FJaTAF
Canon EOS 80DVideoCreator Kit: http://amzn.to/2F8pvbY
•SUBSCRIBE TO MY CHANNEL•
http://bit.ly/SubAjaDang
•STAY CONNECTED•
Website: http://www.ajadang.com
Instagram: http://bit.ly/IGAjaDang
Twitter: http://bit.ly/TweetAjaDang
Facebook: http://bit.ly/FBAjaDang
Snapchat: ajadang

published:01 May 2018

views:100579

I'm AjaDang and this is my September budget video. Last month I had a big month in paying off my student loans but now I'm still left with $150,000 in debt to Mohela. I am exhausted and I am getting lazy. I'm very grateful for all the work I the work I have been getting and will continue to get during this journey, and I know in that sense I am blessed. That is something I know. But the feel of exhaustion is there and I'm spreading myself too thin.
Another important thing I learned last month is the importance of tracking your spending. I didn't this month and tricked myself into thinking I was doing well. Oops. Get to budgeting people!
MY NEW BUDGET: http://bit.ly/2O8utcu
my old budget: http://bit.ly/2w2wfrt
•THE WOMAN'S WORTH COLLECTION•
Not Your Property Shirt: http://bit.ly/2DLhhtD
Support Your Girls Hat: http://bit.ly/2ElfEzO
Support Your Girls Shirt: SOLD OUT
•SUBSCRIBE TO MY CHANNEL•
http://bit.ly/SubAjaDang
•STAY CONNECTED•
Website: http://www.ajadang.com
Instagram: http://bit.ly/IGAjaDang
Twitter: http://bit.ly/TweetAjaDang
Facebook: http://bit.ly/FBAjaDang
Snapchat: ajadang
☞ MY SIDEHUSTLEAPPS I TALKED ABOUT:
TASK RABBIT (all tasks): http://bit.ly/2syXs12
ROVER (dog sitting): http://bit.ly/2mWkxY8
POSHMARK (selling): http://bit.ly/2v2i5Uj
POSTMATES (food delivery): http://bit.ly/2M4P6G7
LYFT (ride share): https://lft.to/2Aqs0Iz
• SITES I USE TO SAVEMONEY •
HOTEL TONIGHT: https://www.hoteltonight.com/
use code ADang20 for $25 off your first night.
EBATES: $10 WelcomeBonus: http://bit.ly/2IANLnY
THRIVE MARKET: 25% off first order: http://bit.ly/2Q5WdAn

Hey, Folks!
Welcome to the MerlotDown! This Student Loan Makeup Tutorial was my way to shed some light on the student debt crisis, but it's also a way to show those of you who have asked how I do my makeup.
I hope you enjoy the first episode of the Merlot Down! And don't worry, more Keto and Low Carb videos are in the works!
Instagram: https://www.instagram.com/keto_ally/
Blog: http://allymcwowie.com/
Facebook: https://www.facebook.com/AllyMcWowie/

Student loan

A student loan is designed to help students pay for university tuition, books, and living expenses. It may differ from other types of loans in that the interest rate may be substantially lower and the repayment schedule may be deferred while the student is still in school. It also differs in many countries in the strict laws regulating renegotiating and bankruptcy.

Australia

Tertiary student places in Australia are usually funded through the HECS-HELP scheme. This funding is in the form of loans that are not normal debts. They are repaid over time via a supplementary tax, using a sliding scale based on taxable income. As a consequence, loan repayments are only made when the former student has income to support the repayments. Discounts are available for early repayment. The scheme is available to citizens and permanent humanitarian visa holders. Means-tested scholarships for living expenses are also available. Special assistance is available to indigenous students.

There has been criticism that the HECS-HELP scheme creates an incentive for people to leave the country after graduation, because those who do not file an Australian tax return do not make any repayments.

Credit score

A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of the person. A credit score is primarily based on a credit report information typically sourced from credit bureaus.

Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. Lenders also use credit scores to determine which customers are likely to bring in the most revenue. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system.

Credit scoring is not limited to banks. Other organizations, such as mobile phone companies, insurance companies, landlords, and government departments employ the same techniques. Credit scoring also has much overlap with data mining, which uses many similar techniques. These techniques combine thousands of factors but are similar or identical.

As an employee of Guinness, a progressive agro-chemical business, Gosset applied his statistical knowledge – both in the brewery and on the farm – to the selection of the best yielding varieties of barley. Gosset acquired that knowledge by study, by trial and error, and by spending two terms in 1906–1907 in the biometrical laboratory of Karl Pearson. Gosset and Pearson had a good relationship. Pearson helped Gosset with the mathematics of his papers, including the 1908 papers, but had little appreciation of their importance. The papers addressed the brewer's concern with small samples; biometricians like Pearson, on the other hand, typically had hundreds of observations and saw no urgency in developing small-sample methods.

Like its sister college, Trinity College, Cambridge, it was traditionally considered the most aristocratic college of its university. It is the second wealthiest Oxford college by financial endowment (after St John's) with an endowment of £371.5m as of 2014.

STUDENT (computer program)

ENGINEER ' is an early artificial intelligence program that solves algebra word problems. It is written in Lisp by Daniel G Bobrow as his PhD thesis in 1964 (Bobrow 1964). It was designed to read and solve the kind of word problems found in high school algebra books. The program is often cited as an early accomplishment of AI in natural language processing.

Your Money

CNN Money, formerly known as In the Money, Your $$$$$, and Your Money was a thirty-minute news show last hosted by Christine Romans broadcast by CNN from the Time Warner Centerstudios in New York City. The business program was a week-in-review of that week's financial stories, with analysis of consumer impact from those stories; it was the final CNN program with an exclusive business focus. The show was formerly hosted by Ali Velshi before his move to Al Jazeera America. The program was last shown on Saturdays at 2:00 pm EST.

The show was renamed on June 7, 2014 to coincide with the launch of the new CNNMoney.com. It was canceled in October 2014.

Segments

The Buzz is a timed look at business stories making top headlines.

Money Time features a pre-recorded minute long look at a plethora of business and technology oriented stories. It is tracked by Romans.

Stop Student Loan Stupidity!

Subscribe to Living On A Dime on YouTube! http://bit.ly/1QDDmbN
Visit Our Website: https://www.livingonadime.com/
How to Save On GroceriesFacebookGroup http://bit.ly/2CLKkwz
Free e-Mail Newsletter: http://bit.ly/1LfQf4y
StopStudent LoanStupidity!
In this video we are talking about student loans and how stupid they are. Yep, I said it, it's the truth but if you want to get out of debt you need to deal with your student loans. When thinking about getting student loans and how to pay off student loans you need know what you are getting into and if student loans are actually a good value for your money or not! If you think student loans have ruined your life then watch this video and then visit us at https://www.livingonadime.com/ to learn more tips for saving money.
Find all of our books including our Dining On A Dime cookbook here:
https://www.livingonadime.com/store/
Here are some of the items we use in the show:
Our Recommended Items At Amazon:
https://www.amazon.com/shop/livingonadime
Please note: We get a small portion from some of these links and we use them to bring you more recipes tips and ideas! Thanks for your support!
—————
Our mailing address:
Living On A Dime
P.O. Box 193
Mead, CO 80542
You can send us an e-mail here:
https://www.livingonadime.com/contact/
Our Website:
https://www.livingonadime.com/
OUR FACEBOOK! https://www.facebook.com/livingonadime
OUR PINTEREST! https://www.pinterest.com/livingonadime/

8:53

How To Choose A Student Loan Repayment Plan

How To Choose A Student Loan Repayment Plan

How To Choose A Student Loan Repayment Plan

In this video, How To Choose An Income Based RepaymentPlan! We'll cover three different plans: Income-Based Repayment, Pay As You Earn, and Revised Pay As You Earn. Topics covered include:
- Requirements for each plan
- Income-Based plans vs. Standard loan repayment
- Discretionary income
To see how Discretionary Income is used to calculate your payment, check out this video
https://youtu.be/vw3ppHG15yY
You can find more resources on financial literacy, including the Public Service Loan Forgiveness program, by checking out my blog at http://www.brentonharrison.com/blog
Representatives of Royal Alliance do not provide tax or legal advice. Please consult your tax advisor or attorney for such guidance.
Securities and Investment Advisory Services offered through Royal Alliance Associates, Inc., MemberFINRA, SIPC. Royal Alliance Associates, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Royal Alliance Associates, Inc.

15:47

STUDENT LOANS ARE THE DEVIL! || How to Beat Going Broke DURING & AFTER College

STUDENT LOANS ARE THE DEVIL! || How to Beat Going Broke DURING & AFTER College

STUDENT LOANS ARE THE DEVIL! || How to Beat Going Broke DURING & AFTER College

How To Combat Your Student Loans | Up Close & Financial

Sallie Krawcheck stops by Refinery29 and offers some of our staff some helpful financial advice when it comes to student loan debt.
Subscribe to the Refinery29 channel: http://bit.ly/subscribe-to-r29
For the latest trends and videos, visit: refinery29 [dot] com
Like Refinery29 on Facebook: Refinery29
Follow Refinery29 on Twitter: @refinery29
Heart Refinery29 on Instagram: @refinery29

8:56

May 2018 Budget | Made $30,000 Last Month, Still In Debt | Aja Dang

May 2018 Budget | Made $30,000 Last Month, Still In Debt | Aja Dang

May 2018 Budget | Made $30,000 Last Month, Still In Debt | Aja Dang

* Warning - swearing involved.
I'm AjaDang and this is my May 2018 monthly budget. This is the fifth month of sharing my financial journey and how I budget to pay off my huge student loan debt. I am getting really frustrated with how much money I put into paying off my debt and not seeing anything in return. To imagine I have 2-3 more years of this makes me so damn angry. My financial advice - don't take out student debt.
MY BUDGET (hopefully it opens): http://bit.ly/2w2wfrt
•CAMERA EQUIPMENT•
Sigma30mm F1.4 CanonLens: http://amzn.to/2FJaTAF
Canon EOS 80DVideoCreator Kit: http://amzn.to/2F8pvbY
•SUBSCRIBE TO MY CHANNEL•
http://bit.ly/SubAjaDang
•STAY CONNECTED•
Website: http://www.ajadang.com
Instagram: http://bit.ly/IGAjaDang
Twitter: http://bit.ly/TweetAjaDang
Facebook: http://bit.ly/FBAjaDang
Snapchat: ajadang

10:33

Debt Fatigue is REAL | September Budget | Aja Dang

Debt Fatigue is REAL | September Budget | Aja Dang

Debt Fatigue is REAL | September Budget | Aja Dang

I'm AjaDang and this is my September budget video. Last month I had a big month in paying off my student loans but now I'm still left with $150,000 in debt to Mohela. I am exhausted and I am getting lazy. I'm very grateful for all the work I the work I have been getting and will continue to get during this journey, and I know in that sense I am blessed. That is something I know. But the feel of exhaustion is there and I'm spreading myself too thin.
Another important thing I learned last month is the importance of tracking your spending. I didn't this month and tricked myself into thinking I was doing well. Oops. Get to budgeting people!
MY NEW BUDGET: http://bit.ly/2O8utcu
my old budget: http://bit.ly/2w2wfrt
•THE WOMAN'S WORTH COLLECTION•
Not Your Property Shirt: http://bit.ly/2DLhhtD
Support Your Girls Hat: http://bit.ly/2ElfEzO
Support Your Girls Shirt: SOLD OUT
•SUBSCRIBE TO MY CHANNEL•
http://bit.ly/SubAjaDang
•STAY CONNECTED•
Website: http://www.ajadang.com
Instagram: http://bit.ly/IGAjaDang
Twitter: http://bit.ly/TweetAjaDang
Facebook: http://bit.ly/FBAjaDang
Snapchat: ajadang
☞ MY SIDEHUSTLEAPPS I TALKED ABOUT:
TASK RABBIT (all tasks): http://bit.ly/2syXs12
ROVER (dog sitting): http://bit.ly/2mWkxY8
POSHMARK (selling): http://bit.ly/2v2i5Uj
POSTMATES (food delivery): http://bit.ly/2M4P6G7
LYFT (ride share): https://lft.to/2Aqs0Iz
• SITES I USE TO SAVEMONEY •
HOTEL TONIGHT: https://www.hoteltonight.com/
use code ADang20 for $25 off your first night.
EBATES: $10 WelcomeBonus: http://bit.ly/2IANLnY
THRIVE MARKET: 25% off first order: http://bit.ly/2Q5WdAn

Student Loans

Student Loan Rap

Student Loan Makeup Tutorial (The Merlot Down 1)

Hey, Folks!
Welcome to the MerlotDown! This Student Loan Makeup Tutorial was my way to shed some light on the student debt crisis, but it's also a way to show those of you who have asked how I do my makeup.
I hope you enjoy the first episode of the Merlot Down! And don't worry, more Keto and Low Carb videos are in the works!
Instagram: https://www.instagram.com/keto_ally/
Blog: http://allymcwowie.com/
Facebook: https://www.facebook.com/AllyMcWowie/

2:01

Will Buying Coffee Every Day Keep You From Getting Rich? Here's What Experts Say

Will Buying Coffee Every Day Keep You From Getting Rich? Here's What Experts Say

Will Buying Coffee Every Day Keep You From Getting Rich? Here's What Experts Say

Three experts on the pros and cons of spending your money on daily coffee: "Shark Tank" investor Kevin O'Leary, wealth manager and bestselling author David Bach and self-made millionaire Ramit Sethi.
» Subscribe to CNBC Make It.: http://cnb.cx/2kxl2rf
O'Leary is not a fan of buying coffee every day. He prefers to make it at home. "Do I pay $2.50 for a coffee? Never do I do that," he tells CNBC Make It. "That is such a waste of money for something that costs 20 cents. I never buy a frape-latte-blah-blah-blah-woof-woof-woof."
He still drinks one cup every morning: "It costs 18 cents to make it and I invest the rest." Before making any purchase, in fact, he asks himself, "Do I really need this?" Because, he says, "if I don't buy it, the money is going to be invested and make money every year while I'm sleeping."
Bach agrees: "We all throw away too much hard-earned money on unnecessary 'little' expenditures without realizing they add up," he writes in "The AutomaticMillionaire."
If you ditch a $5 latte, or another small luxury, like fast food or soft drinks, he explains, you'll have a considerable amount of money to work with.
I ran the numbers on my own coffee habit and was shocked by what I found. If I skipped a year of Starbucks and invested the money instead, with compound interest, it could grow to $4,551 in 10 years assuming a 7 percent annual return, according to CNBC calculations. In 20 years, it could hit $8,952 and, in 30 years, it could reach a whopping $17,611.
That's a lot of money for not much effort.
Ultimately, Bach writes, "you've got to find something you can give up to get up."
Not all money experts agree with O'Leary and Bach, though. Sethi argues that "you can't cut your way to growth," and gives the example of the way millennials supposedly overspend on avocado toast.
"You may have seen an article going around telling you the only way to be a millionaire is to cut back on avocado toast," he tells CNBC Make It. But the idea of getting rich by buying less, he says, is "horrible" advice.
"Do you know how many avocado toasts you'd have to forego to get just a 20 percent down payment" on a median-priced home? "Is it 100? Is it 1,000? No, it's over 2,500 avocado toasts."
In other words, eliminating small, regular purchases is unlikely to help you save enough money to become wealthy. "There's a limit to how much you can cut," Sethi says, "but there is no limit to how much you can earn. You've got your salary. Negotiate it.
"Think about how much you can grow versus how much you can protect, and that is how you start crafting your own rich life."
Whatever your stance on coffee, it's useful to track your spending so that you know where your money is going. If you're buying coffee every day, be sure you can actually afford to because you've already covered other vital expenses, like monthly student-loan or credit-card payments. That's what I do, and it's why I feel comfortable continuing to buy coffee: It makes me happy, and I can swing it.
In addition, Sethi recommends automatically putting money aside for savings and investing so you can stay on track with your long-term financial goals. Try to dedicate 5 to 10 percent of your take-home pay to savings and invest another 10 percent. he says.
If you can't quite make 10 percent, don't fret: Save whatever you can, even if that's "5 percent or 1 percent," says Tom Corley, author of "Rich Kids: How to RaiseOur Children to Be Happy and Successful in Life."
"The point is to get into the habit of saving money," he says. "You can always increase the percentage of savings down the road."
Once you've taken care of what's important, Sethi says, you can relax a bit and enjoy yourself. "Everywhere you turn, you hear people telling you what you can't do with your money: No lattes, no jeans, no vacations," he says. "While everybody else is worrying about how little they can spend and how much they can cut back on, you know you've automated your investing."
About CNBC Make It.: CNBC Make It. is a new section of CNBC dedicated to making you smarter about managing your business, career, and money.
Connect with CNBC Make It. Online
Get the latest updates: http://www.cnbc.com/make-it
Find CNBC Make It. on Facebook: http://cnb.cx/LikeCNBCMakeIt
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Find CNBC Make It. on LinkedIn: https://cnb.cx/2OIdwqJ
#CNBC
#CNBCMakeIt
#Coffee
Will buying coffee every day keep you from getting rich? Here's what Kevin O'Leary and other experts say | CNBC Make It.

Stop Student Loan Stupidity!

Subscribe to Living On A Dime on YouTube! http://bit.ly/1QDDmbN
Visit Our Website: https://www.livingonadime.com/
How to Save On GroceriesFacebookGroup http://bit.ly/2CLKkwz
Free e-Mail Newsletter: http://bit.ly/1LfQf4y
StopStudent LoanStupidity!
In this video we are talking about student loans and how stupid they are. Yep, I said it, it's the truth but if you want to get out of debt you need to deal with your student loans. When thinking about getting student loans and how to pay off student loans you need know what you are getting into and if student loans are actually a good value for your money or not! If you think student loans have ruined your life then watch this video and then visit us at https://www.livingonadime.com/ to learn more tips for saving money.
Find all of ou...

STUDENT LOANS ARE THE DEVIL! || How to Beat Going Broke DURING & AFTER College

↓ OPEN THIS FOR MORE INFO ↓
→SUBSCRIBE TO MY VLOG CHANNEL | http://bit.ly/2eIDLvh
★Hey guys! Today I’m going to talk about how you can avoid college loan debt and how to pay off college loan debt. I will give you many tips on how to start paying your debts off and how to avoid getting in over your head. Don’t forget to thumbs up and subscribe! Love yall!★
★Helpful Items★
→Books on college loan debt: http://amzn.to/2mnc8vo
→Tips for paying off debt: http://amzn.to/2mnrDTZ
→Financial planners: http://amzn.to/2lTF54H
→Budgeting and money management: http://amzn.to/2lF6E0V
→Dual enrollment info: http://bit.ly/2lw6RBv
→If interested in College Now check out your state and college now. Here is an example: https://www.collegenowgc.org
★Additional Resources★
→McNair Scholars: https://mcnairs...

published: 26 Feb 2017

How To Combat Your Student Loans | Up Close & Financial

Sallie Krawcheck stops by Refinery29 and offers some of our staff some helpful financial advice when it comes to student loan debt.
Subscribe to the Refinery29 channel: http://bit.ly/subscribe-to-r29
For the latest trends and videos, visit: refinery29 [dot] com
Like Refinery29 on Facebook: Refinery29
Follow Refinery29 on Twitter: @refinery29
Heart Refinery29 on Instagram: @refinery29

published: 15 Sep 2016

May 2018 Budget | Made $30,000 Last Month, Still In Debt | Aja Dang

* Warning - swearing involved.
I'm AjaDang and this is my May 2018 monthly budget. This is the fifth month of sharing my financial journey and how I budget to pay off my huge student loan debt. I am getting really frustrated with how much money I put into paying off my debt and not seeing anything in return. To imagine I have 2-3 more years of this makes me so damn angry. My financial advice - don't take out student debt.
MY BUDGET (hopefully it opens): http://bit.ly/2w2wfrt
•CAMERA EQUIPMENT•
Sigma30mm F1.4 CanonLens: http://amzn.to/2FJaTAF
Canon EOS 80DVideoCreator Kit: http://amzn.to/2F8pvbY
•SUBSCRIBE TO MY CHANNEL•
http://bit.ly/SubAjaDang
•STAY CONNECTED•
Website: http://www.ajadang.com
Instagram: http://bit.ly/IGAjaDang
Twitter: http://bit.ly/TweetAjaDang
Facebook: h...

published: 01 May 2018

Debt Fatigue is REAL | September Budget | Aja Dang

I'm AjaDang and this is my September budget video. Last month I had a big month in paying off my student loans but now I'm still left with $150,000 in debt to Mohela. I am exhausted and I am getting lazy. I'm very grateful for all the work I the work I have been getting and will continue to get during this journey, and I know in that sense I am blessed. That is something I know. But the feel of exhaustion is there and I'm spreading myself too thin.
Another important thing I learned last month is the importance of tracking your spending. I didn't this month and tricked myself into thinking I was doing well. Oops. Get to budgeting people!
MY NEW BUDGET: http://bit.ly/2O8utcu
my old budget: http://bit.ly/2w2wfrt
•THE WOMAN'S WORTH COLLECTION•
Not Your Property Shirt: http://bit.ly/2DLh...

Student Loans

Student Loan Rap

Student Loan Makeup Tutorial (The Merlot Down 1)

Hey, Folks!
Welcome to the MerlotDown! This Student Loan Makeup Tutorial was my way to shed some light on the student debt crisis, but it's also a way to show those of you who have asked how I do my makeup.
I hope you enjoy the first episode of the Merlot Down! And don't worry, more Keto and Low Carb videos are in the works!
Instagram: https://www.instagram.com/keto_ally/
Blog: http://allymcwowie.com/
Facebook: https://www.facebook.com/AllyMcWowie/

published: 03 Apr 2018

Will Buying Coffee Every Day Keep You From Getting Rich? Here's What Experts Say

Three experts on the pros and cons of spending your money on daily coffee: "Shark Tank" investor Kevin O'Leary, wealth manager and bestselling author David Bach and self-made millionaire Ramit Sethi.
» Subscribe to CNBC Make It.: http://cnb.cx/2kxl2rf
O'Leary is not a fan of buying coffee every day. He prefers to make it at home. "Do I pay $2.50 for a coffee? Never do I do that," he tells CNBC Make It. "That is such a waste of money for something that costs 20 cents. I never buy a frape-latte-blah-blah-blah-woof-woof-woof."
He still drinks one cup every morning: "It costs 18 cents to make it and I invest the rest." Before making any purchase, in fact, he asks himself, "Do I really need this?" Because, he says, "if I don't buy it, the money is going to be invested and make money every ye...

Subscribe to Living On A Dime on YouTube! http://bit.ly/1QDDmbN
Visit Our Website: https://www.livingonadime.com/
How to Save On GroceriesFacebookGroup http://bit.ly/2CLKkwz
Free e-Mail Newsletter: http://bit.ly/1LfQf4y
StopStudent LoanStupidity!
In this video we are talking about student loans and how stupid they are. Yep, I said it, it's the truth but if you want to get out of debt you need to deal with your student loans. When thinking about getting student loans and how to pay off student loans you need know what you are getting into and if student loans are actually a good value for your money or not! If you think student loans have ruined your life then watch this video and then visit us at https://www.livingonadime.com/ to learn more tips for saving money.
Find all of our books including our Dining On A Dime cookbook here:
https://www.livingonadime.com/store/
Here are some of the items we use in the show:
Our Recommended Items At Amazon:
https://www.amazon.com/shop/livingonadime
Please note: We get a small portion from some of these links and we use them to bring you more recipes tips and ideas! Thanks for your support!
—————
Our mailing address:
Living On A Dime
P.O. Box 193
Mead, CO 80542
You can send us an e-mail here:
https://www.livingonadime.com/contact/
Our Website:
https://www.livingonadime.com/
OUR FACEBOOK! https://www.facebook.com/livingonadime
OUR PINTEREST! https://www.pinterest.com/livingonadime/

Subscribe to Living On A Dime on YouTube! http://bit.ly/1QDDmbN
Visit Our Website: https://www.livingonadime.com/
How to Save On GroceriesFacebookGroup http://bit.ly/2CLKkwz
Free e-Mail Newsletter: http://bit.ly/1LfQf4y
StopStudent LoanStupidity!
In this video we are talking about student loans and how stupid they are. Yep, I said it, it's the truth but if you want to get out of debt you need to deal with your student loans. When thinking about getting student loans and how to pay off student loans you need know what you are getting into and if student loans are actually a good value for your money or not! If you think student loans have ruined your life then watch this video and then visit us at https://www.livingonadime.com/ to learn more tips for saving money.
Find all of our books including our Dining On A Dime cookbook here:
https://www.livingonadime.com/store/
Here are some of the items we use in the show:
Our Recommended Items At Amazon:
https://www.amazon.com/shop/livingonadime
Please note: We get a small portion from some of these links and we use them to bring you more recipes tips and ideas! Thanks for your support!
—————
Our mailing address:
Living On A Dime
P.O. Box 193
Mead, CO 80542
You can send us an e-mail here:
https://www.livingonadime.com/contact/
Our Website:
https://www.livingonadime.com/
OUR FACEBOOK! https://www.facebook.com/livingonadime
OUR PINTEREST! https://www.pinterest.com/livingonadime/

In this video, How To Choose An Income Based RepaymentPlan! We'll cover three different plans: Income-Based Repayment, Pay As You Earn, and Revised Pay As You Earn. Topics covered include:
- Requirements for each plan
- Income-Based plans vs. Standard loan repayment
- Discretionary income
To see how Discretionary Income is used to calculate your payment, check out this video
https://youtu.be/vw3ppHG15yY
You can find more resources on financial literacy, including the Public Service Loan Forgiveness program, by checking out my blog at http://www.brentonharrison.com/blog
Representatives of Royal Alliance do not provide tax or legal advice. Please consult your tax advisor or attorney for such guidance.
Securities and Investment Advisory Services offered through Royal Alliance Associates, Inc., MemberFINRA, SIPC. Royal Alliance Associates, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Royal Alliance Associates, Inc.

In this video, How To Choose An Income Based RepaymentPlan! We'll cover three different plans: Income-Based Repayment, Pay As You Earn, and Revised Pay As You Earn. Topics covered include:
- Requirements for each plan
- Income-Based plans vs. Standard loan repayment
- Discretionary income
To see how Discretionary Income is used to calculate your payment, check out this video
https://youtu.be/vw3ppHG15yY
You can find more resources on financial literacy, including the Public Service Loan Forgiveness program, by checking out my blog at http://www.brentonharrison.com/blog
Representatives of Royal Alliance do not provide tax or legal advice. Please consult your tax advisor or attorney for such guidance.
Securities and Investment Advisory Services offered through Royal Alliance Associates, Inc., MemberFINRA, SIPC. Royal Alliance Associates, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Royal Alliance Associates, Inc.

How To Combat Your Student Loans | Up Close & Financial

Sallie Krawcheck stops by Refinery29 and offers some of our staff some helpful financial advice when it comes to student loan debt.
Subscribe to the Refinery29...

Sallie Krawcheck stops by Refinery29 and offers some of our staff some helpful financial advice when it comes to student loan debt.
Subscribe to the Refinery29 channel: http://bit.ly/subscribe-to-r29
For the latest trends and videos, visit: refinery29 [dot] com
Like Refinery29 on Facebook: Refinery29
Follow Refinery29 on Twitter: @refinery29
Heart Refinery29 on Instagram: @refinery29

Sallie Krawcheck stops by Refinery29 and offers some of our staff some helpful financial advice when it comes to student loan debt.
Subscribe to the Refinery29 channel: http://bit.ly/subscribe-to-r29
For the latest trends and videos, visit: refinery29 [dot] com
Like Refinery29 on Facebook: Refinery29
Follow Refinery29 on Twitter: @refinery29
Heart Refinery29 on Instagram: @refinery29

Debt Fatigue is REAL | September Budget | Aja Dang

I'm AjaDang and this is my September budget video. Last month I had a big month in paying off my student loans but now I'm still left with $150,000 in debt to ...

I'm AjaDang and this is my September budget video. Last month I had a big month in paying off my student loans but now I'm still left with $150,000 in debt to Mohela. I am exhausted and I am getting lazy. I'm very grateful for all the work I the work I have been getting and will continue to get during this journey, and I know in that sense I am blessed. That is something I know. But the feel of exhaustion is there and I'm spreading myself too thin.
Another important thing I learned last month is the importance of tracking your spending. I didn't this month and tricked myself into thinking I was doing well. Oops. Get to budgeting people!
MY NEW BUDGET: http://bit.ly/2O8utcu
my old budget: http://bit.ly/2w2wfrt
•THE WOMAN'S WORTH COLLECTION•
Not Your Property Shirt: http://bit.ly/2DLhhtD
Support Your Girls Hat: http://bit.ly/2ElfEzO
Support Your Girls Shirt: SOLD OUT
•SUBSCRIBE TO MY CHANNEL•
http://bit.ly/SubAjaDang
•STAY CONNECTED•
Website: http://www.ajadang.com
Instagram: http://bit.ly/IGAjaDang
Twitter: http://bit.ly/TweetAjaDang
Facebook: http://bit.ly/FBAjaDang
Snapchat: ajadang
☞ MY SIDEHUSTLEAPPS I TALKED ABOUT:
TASK RABBIT (all tasks): http://bit.ly/2syXs12
ROVER (dog sitting): http://bit.ly/2mWkxY8
POSHMARK (selling): http://bit.ly/2v2i5Uj
POSTMATES (food delivery): http://bit.ly/2M4P6G7
LYFT (ride share): https://lft.to/2Aqs0Iz
• SITES I USE TO SAVEMONEY •
HOTEL TONIGHT: https://www.hoteltonight.com/
use code ADang20 for $25 off your first night.
EBATES: $10 WelcomeBonus: http://bit.ly/2IANLnY
THRIVE MARKET: 25% off first order: http://bit.ly/2Q5WdAn

I'm AjaDang and this is my September budget video. Last month I had a big month in paying off my student loans but now I'm still left with $150,000 in debt to Mohela. I am exhausted and I am getting lazy. I'm very grateful for all the work I the work I have been getting and will continue to get during this journey, and I know in that sense I am blessed. That is something I know. But the feel of exhaustion is there and I'm spreading myself too thin.
Another important thing I learned last month is the importance of tracking your spending. I didn't this month and tricked myself into thinking I was doing well. Oops. Get to budgeting people!
MY NEW BUDGET: http://bit.ly/2O8utcu
my old budget: http://bit.ly/2w2wfrt
•THE WOMAN'S WORTH COLLECTION•
Not Your Property Shirt: http://bit.ly/2DLhhtD
Support Your Girls Hat: http://bit.ly/2ElfEzO
Support Your Girls Shirt: SOLD OUT
•SUBSCRIBE TO MY CHANNEL•
http://bit.ly/SubAjaDang
•STAY CONNECTED•
Website: http://www.ajadang.com
Instagram: http://bit.ly/IGAjaDang
Twitter: http://bit.ly/TweetAjaDang
Facebook: http://bit.ly/FBAjaDang
Snapchat: ajadang
☞ MY SIDEHUSTLEAPPS I TALKED ABOUT:
TASK RABBIT (all tasks): http://bit.ly/2syXs12
ROVER (dog sitting): http://bit.ly/2mWkxY8
POSHMARK (selling): http://bit.ly/2v2i5Uj
POSTMATES (food delivery): http://bit.ly/2M4P6G7
LYFT (ride share): https://lft.to/2Aqs0Iz
• SITES I USE TO SAVEMONEY •
HOTEL TONIGHT: https://www.hoteltonight.com/
use code ADang20 for $25 off your first night.
EBATES: $10 WelcomeBonus: http://bit.ly/2IANLnY
THRIVE MARKET: 25% off first order: http://bit.ly/2Q5WdAn

Hey, Folks!
Welcome to the MerlotDown! This Student Loan Makeup Tutorial was my way to shed some light on the student debt crisis, but it's also a way to show those of you who have asked how I do my makeup.
I hope you enjoy the first episode of the Merlot Down! And don't worry, more Keto and Low Carb videos are in the works!
Instagram: https://www.instagram.com/keto_ally/
Blog: http://allymcwowie.com/
Facebook: https://www.facebook.com/AllyMcWowie/

Hey, Folks!
Welcome to the MerlotDown! This Student Loan Makeup Tutorial was my way to shed some light on the student debt crisis, but it's also a way to show those of you who have asked how I do my makeup.
I hope you enjoy the first episode of the Merlot Down! And don't worry, more Keto and Low Carb videos are in the works!
Instagram: https://www.instagram.com/keto_ally/
Blog: http://allymcwowie.com/
Facebook: https://www.facebook.com/AllyMcWowie/

Three experts on the pros and cons of spending your money on daily coffee: "Shark Tank" investor Kevin O'Leary, wealth manager and bestselling author David Bach and self-made millionaire Ramit Sethi.
» Subscribe to CNBC Make It.: http://cnb.cx/2kxl2rf
O'Leary is not a fan of buying coffee every day. He prefers to make it at home. "Do I pay $2.50 for a coffee? Never do I do that," he tells CNBC Make It. "That is such a waste of money for something that costs 20 cents. I never buy a frape-latte-blah-blah-blah-woof-woof-woof."
He still drinks one cup every morning: "It costs 18 cents to make it and I invest the rest." Before making any purchase, in fact, he asks himself, "Do I really need this?" Because, he says, "if I don't buy it, the money is going to be invested and make money every year while I'm sleeping."
Bach agrees: "We all throw away too much hard-earned money on unnecessary 'little' expenditures without realizing they add up," he writes in "The AutomaticMillionaire."
If you ditch a $5 latte, or another small luxury, like fast food or soft drinks, he explains, you'll have a considerable amount of money to work with.
I ran the numbers on my own coffee habit and was shocked by what I found. If I skipped a year of Starbucks and invested the money instead, with compound interest, it could grow to $4,551 in 10 years assuming a 7 percent annual return, according to CNBC calculations. In 20 years, it could hit $8,952 and, in 30 years, it could reach a whopping $17,611.
That's a lot of money for not much effort.
Ultimately, Bach writes, "you've got to find something you can give up to get up."
Not all money experts agree with O'Leary and Bach, though. Sethi argues that "you can't cut your way to growth," and gives the example of the way millennials supposedly overspend on avocado toast.
"You may have seen an article going around telling you the only way to be a millionaire is to cut back on avocado toast," he tells CNBC Make It. But the idea of getting rich by buying less, he says, is "horrible" advice.
"Do you know how many avocado toasts you'd have to forego to get just a 20 percent down payment" on a median-priced home? "Is it 100? Is it 1,000? No, it's over 2,500 avocado toasts."
In other words, eliminating small, regular purchases is unlikely to help you save enough money to become wealthy. "There's a limit to how much you can cut," Sethi says, "but there is no limit to how much you can earn. You've got your salary. Negotiate it.
"Think about how much you can grow versus how much you can protect, and that is how you start crafting your own rich life."
Whatever your stance on coffee, it's useful to track your spending so that you know where your money is going. If you're buying coffee every day, be sure you can actually afford to because you've already covered other vital expenses, like monthly student-loan or credit-card payments. That's what I do, and it's why I feel comfortable continuing to buy coffee: It makes me happy, and I can swing it.
In addition, Sethi recommends automatically putting money aside for savings and investing so you can stay on track with your long-term financial goals. Try to dedicate 5 to 10 percent of your take-home pay to savings and invest another 10 percent. he says.
If you can't quite make 10 percent, don't fret: Save whatever you can, even if that's "5 percent or 1 percent," says Tom Corley, author of "Rich Kids: How to RaiseOur Children to Be Happy and Successful in Life."
"The point is to get into the habit of saving money," he says. "You can always increase the percentage of savings down the road."
Once you've taken care of what's important, Sethi says, you can relax a bit and enjoy yourself. "Everywhere you turn, you hear people telling you what you can't do with your money: No lattes, no jeans, no vacations," he says. "While everybody else is worrying about how little they can spend and how much they can cut back on, you know you've automated your investing."
About CNBC Make It.: CNBC Make It. is a new section of CNBC dedicated to making you smarter about managing your business, career, and money.
Connect with CNBC Make It. Online
Get the latest updates: http://www.cnbc.com/make-it
Find CNBC Make It. on Facebook: http://cnb.cx/LikeCNBCMakeIt
Find CNBC Make It. on Twitter: http://cnb.cx/FollowCNBCMakeIt
Find CNBC Make It. on Instagram: http://bit.ly/InstagramCNBCMakeIt
Find CNBC Make It. on LinkedIn: https://cnb.cx/2OIdwqJ
#CNBC
#CNBCMakeIt
#Coffee
Will buying coffee every day keep you from getting rich? Here's what Kevin O'Leary and other experts say | CNBC Make It.

Three experts on the pros and cons of spending your money on daily coffee: "Shark Tank" investor Kevin O'Leary, wealth manager and bestselling author David Bach and self-made millionaire Ramit Sethi.
» Subscribe to CNBC Make It.: http://cnb.cx/2kxl2rf
O'Leary is not a fan of buying coffee every day. He prefers to make it at home. "Do I pay $2.50 for a coffee? Never do I do that," he tells CNBC Make It. "That is such a waste of money for something that costs 20 cents. I never buy a frape-latte-blah-blah-blah-woof-woof-woof."
He still drinks one cup every morning: "It costs 18 cents to make it and I invest the rest." Before making any purchase, in fact, he asks himself, "Do I really need this?" Because, he says, "if I don't buy it, the money is going to be invested and make money every year while I'm sleeping."
Bach agrees: "We all throw away too much hard-earned money on unnecessary 'little' expenditures without realizing they add up," he writes in "The AutomaticMillionaire."
If you ditch a $5 latte, or another small luxury, like fast food or soft drinks, he explains, you'll have a considerable amount of money to work with.
I ran the numbers on my own coffee habit and was shocked by what I found. If I skipped a year of Starbucks and invested the money instead, with compound interest, it could grow to $4,551 in 10 years assuming a 7 percent annual return, according to CNBC calculations. In 20 years, it could hit $8,952 and, in 30 years, it could reach a whopping $17,611.
That's a lot of money for not much effort.
Ultimately, Bach writes, "you've got to find something you can give up to get up."
Not all money experts agree with O'Leary and Bach, though. Sethi argues that "you can't cut your way to growth," and gives the example of the way millennials supposedly overspend on avocado toast.
"You may have seen an article going around telling you the only way to be a millionaire is to cut back on avocado toast," he tells CNBC Make It. But the idea of getting rich by buying less, he says, is "horrible" advice.
"Do you know how many avocado toasts you'd have to forego to get just a 20 percent down payment" on a median-priced home? "Is it 100? Is it 1,000? No, it's over 2,500 avocado toasts."
In other words, eliminating small, regular purchases is unlikely to help you save enough money to become wealthy. "There's a limit to how much you can cut," Sethi says, "but there is no limit to how much you can earn. You've got your salary. Negotiate it.
"Think about how much you can grow versus how much you can protect, and that is how you start crafting your own rich life."
Whatever your stance on coffee, it's useful to track your spending so that you know where your money is going. If you're buying coffee every day, be sure you can actually afford to because you've already covered other vital expenses, like monthly student-loan or credit-card payments. That's what I do, and it's why I feel comfortable continuing to buy coffee: It makes me happy, and I can swing it.
In addition, Sethi recommends automatically putting money aside for savings and investing so you can stay on track with your long-term financial goals. Try to dedicate 5 to 10 percent of your take-home pay to savings and invest another 10 percent. he says.
If you can't quite make 10 percent, don't fret: Save whatever you can, even if that's "5 percent or 1 percent," says Tom Corley, author of "Rich Kids: How to RaiseOur Children to Be Happy and Successful in Life."
"The point is to get into the habit of saving money," he says. "You can always increase the percentage of savings down the road."
Once you've taken care of what's important, Sethi says, you can relax a bit and enjoy yourself. "Everywhere you turn, you hear people telling you what you can't do with your money: No lattes, no jeans, no vacations," he says. "While everybody else is worrying about how little they can spend and how much they can cut back on, you know you've automated your investing."
About CNBC Make It.: CNBC Make It. is a new section of CNBC dedicated to making you smarter about managing your business, career, and money.
Connect with CNBC Make It. Online
Get the latest updates: http://www.cnbc.com/make-it
Find CNBC Make It. on Facebook: http://cnb.cx/LikeCNBCMakeIt
Find CNBC Make It. on Twitter: http://cnb.cx/FollowCNBCMakeIt
Find CNBC Make It. on Instagram: http://bit.ly/InstagramCNBCMakeIt
Find CNBC Make It. on LinkedIn: https://cnb.cx/2OIdwqJ
#CNBC
#CNBCMakeIt
#Coffee
Will buying coffee every day keep you from getting rich? Here's what Kevin O'Leary and other experts say | CNBC Make It.

Stop Student Loan Stupidity!

Subscribe to Living On A Dime on YouTube! http://bit.ly/1QDDmbN
Visit Our Website: https://www.livingonadime.com/
How to Save On GroceriesFacebookGroup http://bit.ly/2CLKkwz
Free e-Mail Newsletter: http://bit.ly/1LfQf4y
StopStudent LoanStupidity!
In this video we are talking about student loans and how stupid they are. Yep, I said it, it's the truth but if you want to get out of debt you need to deal with your student loans. When thinking about getting student loans and how to pay off student loans you need know what you are getting into and if student loans are actually a good value for your money or not! If you think student loans have ruined your life then watch this video and then visit us at https://www.livingonadime.com/ to learn more tips for saving money.
Find all of our books including our Dining On A Dime cookbook here:
https://www.livingonadime.com/store/
Here are some of the items we use in the show:
Our Recommended Items At Amazon:
https://www.amazon.com/shop/livingonadime
Please note: We get a small portion from some of these links and we use them to bring you more recipes tips and ideas! Thanks for your support!
—————
Our mailing address:
Living On A Dime
P.O. Box 193
Mead, CO 80542
You can send us an e-mail here:
https://www.livingonadime.com/contact/
Our Website:
https://www.livingonadime.com/
OUR FACEBOOK! https://www.facebook.com/livingonadime
OUR PINTEREST! https://www.pinterest.com/livingonadime/

How To Choose A Student Loan Repayment Plan

In this video, How To Choose An Income Based RepaymentPlan! We'll cover three different plans: Income-Based Repayment, Pay As You Earn, and Revised Pay As You Earn. Topics covered include:
- Requirements for each plan
- Income-Based plans vs. Standard loan repayment
- Discretionary income
To see how Discretionary Income is used to calculate your payment, check out this video
https://youtu.be/vw3ppHG15yY
You can find more resources on financial literacy, including the Public Service Loan Forgiveness program, by checking out my blog at http://www.brentonharrison.com/blog
Representatives of Royal Alliance do not provide tax or legal advice. Please consult your tax advisor or attorney for such guidance.
Securities and Investment Advisory Services offered through Royal Alliance Associates, Inc., MemberFINRA, SIPC. Royal Alliance Associates, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Royal Alliance Associates, Inc.

How To Combat Your Student Loans | Up Close & Financial

Sallie Krawcheck stops by Refinery29 and offers some of our staff some helpful financial advice when it comes to student loan debt.
Subscribe to the Refinery29 channel: http://bit.ly/subscribe-to-r29
For the latest trends and videos, visit: refinery29 [dot] com
Like Refinery29 on Facebook: Refinery29
Follow Refinery29 on Twitter: @refinery29
Heart Refinery29 on Instagram: @refinery29

Debt Fatigue is REAL | September Budget | Aja Dang

I'm AjaDang and this is my September budget video. Last month I had a big month in paying off my student loans but now I'm still left with $150,000 in debt to Mohela. I am exhausted and I am getting lazy. I'm very grateful for all the work I the work I have been getting and will continue to get during this journey, and I know in that sense I am blessed. That is something I know. But the feel of exhaustion is there and I'm spreading myself too thin.
Another important thing I learned last month is the importance of tracking your spending. I didn't this month and tricked myself into thinking I was doing well. Oops. Get to budgeting people!
MY NEW BUDGET: http://bit.ly/2O8utcu
my old budget: http://bit.ly/2w2wfrt
•THE WOMAN'S WORTH COLLECTION•
Not Your Property Shirt: http://bit.ly/2DLhhtD
Support Your Girls Hat: http://bit.ly/2ElfEzO
Support Your Girls Shirt: SOLD OUT
•SUBSCRIBE TO MY CHANNEL•
http://bit.ly/SubAjaDang
•STAY CONNECTED•
Website: http://www.ajadang.com
Instagram: http://bit.ly/IGAjaDang
Twitter: http://bit.ly/TweetAjaDang
Facebook: http://bit.ly/FBAjaDang
Snapchat: ajadang
☞ MY SIDEHUSTLEAPPS I TALKED ABOUT:
TASK RABBIT (all tasks): http://bit.ly/2syXs12
ROVER (dog sitting): http://bit.ly/2mWkxY8
POSHMARK (selling): http://bit.ly/2v2i5Uj
POSTMATES (food delivery): http://bit.ly/2M4P6G7
LYFT (ride share): https://lft.to/2Aqs0Iz
• SITES I USE TO SAVEMONEY •
HOTEL TONIGHT: https://www.hoteltonight.com/
use code ADang20 for $25 off your first night.
EBATES: $10 WelcomeBonus: http://bit.ly/2IANLnY
THRIVE MARKET: 25% off first order: http://bit.ly/2Q5WdAn

Student Loan Makeup Tutorial (The Merlot Down 1)

Hey, Folks!
Welcome to the MerlotDown! This Student Loan Makeup Tutorial was my way to shed some light on the student debt crisis, but it's also a way to show those of you who have asked how I do my makeup.
I hope you enjoy the first episode of the Merlot Down! And don't worry, more Keto and Low Carb videos are in the works!
Instagram: https://www.instagram.com/keto_ally/
Blog: http://allymcwowie.com/
Facebook: https://www.facebook.com/AllyMcWowie/

Will Buying Coffee Every Day Keep You From Getting Rich? Here's What Experts Say

Three experts on the pros and cons of spending your money on daily coffee: "Shark Tank" investor Kevin O'Leary, wealth manager and bestselling author David Bach and self-made millionaire Ramit Sethi.
» Subscribe to CNBC Make It.: http://cnb.cx/2kxl2rf
O'Leary is not a fan of buying coffee every day. He prefers to make it at home. "Do I pay $2.50 for a coffee? Never do I do that," he tells CNBC Make It. "That is such a waste of money for something that costs 20 cents. I never buy a frape-latte-blah-blah-blah-woof-woof-woof."
He still drinks one cup every morning: "It costs 18 cents to make it and I invest the rest." Before making any purchase, in fact, he asks himself, "Do I really need this?" Because, he says, "if I don't buy it, the money is going to be invested and make money every year while I'm sleeping."
Bach agrees: "We all throw away too much hard-earned money on unnecessary 'little' expenditures without realizing they add up," he writes in "The AutomaticMillionaire."
If you ditch a $5 latte, or another small luxury, like fast food or soft drinks, he explains, you'll have a considerable amount of money to work with.
I ran the numbers on my own coffee habit and was shocked by what I found. If I skipped a year of Starbucks and invested the money instead, with compound interest, it could grow to $4,551 in 10 years assuming a 7 percent annual return, according to CNBC calculations. In 20 years, it could hit $8,952 and, in 30 years, it could reach a whopping $17,611.
That's a lot of money for not much effort.
Ultimately, Bach writes, "you've got to find something you can give up to get up."
Not all money experts agree with O'Leary and Bach, though. Sethi argues that "you can't cut your way to growth," and gives the example of the way millennials supposedly overspend on avocado toast.
"You may have seen an article going around telling you the only way to be a millionaire is to cut back on avocado toast," he tells CNBC Make It. But the idea of getting rich by buying less, he says, is "horrible" advice.
"Do you know how many avocado toasts you'd have to forego to get just a 20 percent down payment" on a median-priced home? "Is it 100? Is it 1,000? No, it's over 2,500 avocado toasts."
In other words, eliminating small, regular purchases is unlikely to help you save enough money to become wealthy. "There's a limit to how much you can cut," Sethi says, "but there is no limit to how much you can earn. You've got your salary. Negotiate it.
"Think about how much you can grow versus how much you can protect, and that is how you start crafting your own rich life."
Whatever your stance on coffee, it's useful to track your spending so that you know where your money is going. If you're buying coffee every day, be sure you can actually afford to because you've already covered other vital expenses, like monthly student-loan or credit-card payments. That's what I do, and it's why I feel comfortable continuing to buy coffee: It makes me happy, and I can swing it.
In addition, Sethi recommends automatically putting money aside for savings and investing so you can stay on track with your long-term financial goals. Try to dedicate 5 to 10 percent of your take-home pay to savings and invest another 10 percent. he says.
If you can't quite make 10 percent, don't fret: Save whatever you can, even if that's "5 percent or 1 percent," says Tom Corley, author of "Rich Kids: How to RaiseOur Children to Be Happy and Successful in Life."
"The point is to get into the habit of saving money," he says. "You can always increase the percentage of savings down the road."
Once you've taken care of what's important, Sethi says, you can relax a bit and enjoy yourself. "Everywhere you turn, you hear people telling you what you can't do with your money: No lattes, no jeans, no vacations," he says. "While everybody else is worrying about how little they can spend and how much they can cut back on, you know you've automated your investing."
About CNBC Make It.: CNBC Make It. is a new section of CNBC dedicated to making you smarter about managing your business, career, and money.
Connect with CNBC Make It. Online
Get the latest updates: http://www.cnbc.com/make-it
Find CNBC Make It. on Facebook: http://cnb.cx/LikeCNBCMakeIt
Find CNBC Make It. on Twitter: http://cnb.cx/FollowCNBCMakeIt
Find CNBC Make It. on Instagram: http://bit.ly/InstagramCNBCMakeIt
Find CNBC Make It. on LinkedIn: https://cnb.cx/2OIdwqJ
#CNBC
#CNBCMakeIt
#Coffee
Will buying coffee every day keep you from getting rich? Here's what Kevin O'Leary and other experts say | CNBC Make It.

Student Loans - Short Film

Student loan

A student loan is designed to help students pay for university tuition, books, and living expenses. It may differ from other types of loans in that the interest rate may be substantially lower and the repayment schedule may be deferred while the student is still in school. It also differs in many countries in the strict laws regulating renegotiating and bankruptcy.

Australia

Tertiary student places in Australia are usually funded through the HECS-HELP scheme. This funding is in the form of loans that are not normal debts. They are repaid over time via a supplementary tax, using a sliding scale based on taxable income. As a consequence, loan repayments are only made when the former student has income to support the repayments. Discounts are available for early repayment. The scheme is available to citizens and permanent humanitarian visa holders. Means-tested scholarships for living expenses are also available. Special assistance is available to indigenous students.

There has been criticism that the HECS-HELP scheme creates an incentive for people to leave the country after graduation, because those who do not file an Australian tax return do not make any repayments.